©2023 The Nebraska Independent Community Bankers are proud to present The Nebraska Independent Banker as a benefit of membership in the association. No member dues were used in the publishing of this news magazine. All publishing costs were borne by advertising sales. Purchase of any products or services from paid advertisements within this magazine are the sole responsibility of the consumer. The statements and opinions expressed herein are those of the individual authors and do not necessarily represent the views of Nebraska Independent Community Bankers or its publisher, The newsLINK Group, LLC. Any legal advice should be regarded as general information. It is strongly recommended that one contact an attorney for counsel regarding specific circumstances. Likewise, the appearance of advertisers does not constitute an endorsement of the products or services featured by The newsLINK Group, LLC. Nebraska Independent Community Bankers 1001 S. 70 Street, Ste. 101 Lincoln, NE 68510 (402) 474-4662 nicbonline.com The Nebraska Independent Banker is a Publication of The Nebraska Independent Community Bankers Association Issue 5 • 2023 INSIDE TAKE A LOOK 9 20 22 NICB Executive Committee Chairman Rick Heckenlively Points West Community Bank Sidney Chairman Elect Dave Ochsner Commercial Bank Nelson Vice Chairman Jim Niemeier Citizens State Bank Friend President/CEO Dexter Schrodt Secretary Kelly Lenners First State Bank Nebraska Pickrell Treasurer Arnold Lowell CerescoBank Ceresco Immediate Past Chairman Corby Schweers Elkhorn Valley Bank Wayne 4 President’s Message Embracing the Harvest Season By Dexter Schrodt, President and CEO, NICB 6 Flourish By Rebeca Romero Rainey, President and CEO, ICBA 9 The Human Firewall By Mike Gilmore, Chief Compliance Officer, RESULTS Technology 12 Data-Driven Strategies For Banks Start Here By Paula S. King, CPA, Abrigo 16 Is Your Bank Ready to Accelerate Payments with the FedNow Service? By Greg Aumann, Submitted by CSI 18 Remember the Munis Don’t Go To Sleep on a Profitable Bond Sector By Jim Reber, President and CEO, ICBA Securities 20 2022’s Top Third-Party Sender Audit Findings By Matthew Wade, AAP, APRP, CPA, EPCOR 22 Santander US CEO Talks Business Strategy, Industry Challenges By Rob Blackwell, Chief Content Officer, IntraFi 26 NICB Endorsed Partners 26 Associate Members 2023
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